Ramp

Eligibility at a glance

Banking provided by

First Internet Bank of Indiana（存款）· Celtic Bank / Column N.A. / Sutton Bank / Lead Bank（发卡）

Requires SSN

No

Overseas operating address

No

Intl wire (out)

Free

Virtual cards

TBD

Account manager

None

Best for

• US-operating, venture-backed or scaled companies
• Teams wanting cards + spend management + 1.5% cashback

Where it falls short

• Needs $25,000 cash in a linked US business account + mostly-US operations
• Real US physical address only (no virtual / agent / PO Box)
• Not for sole proprietors or early-stage non-residents

Restricted countries

Restricted industries

Documents to prepare

• A US-registered company (LLC / Corp / LP, nonprofits welcome — no sole props or unregistered businesses) + EIN (cannot be waived)
• Last 4 of an officer's SSN; without one, last 4 of a foreign passport + proof of address (utility bill / statement / pay stub / lease, etc.)
• A US physical address (no PO Box / virtual office / registered agent / mail forwarding)
• A business email address (personal emails not accepted)
• At least $25,000 in cash in the US business bank account linked to the application
• Most operations and corporate spending in the US (international transactions supported)

What the complaints are actually aboutUser reviews

The percentages below are shares of this bank's own negative reviews — not a rating, and not a probability of it happening to you. We pull only 1-2 star reviews, so the sample is larger than it looks; the composition of the complaints is what's comparable across banks.

Ramp is the only bank here whose complaints don't cluster: its 33% lifetime negative rate looks like the worst in the set, but no theme exceeds 12% and closures account for just 6%. The gripes scatter across product details, integrations and fees. That's product shape: Ramp is spend management and corporate cards, not a deposit account you park cash in, so the exposure is different by construction. Don't line it up against Mercury or Relay on the same risk table.

Method: public Trustpilot reviews, aggregate counts only — no review text is reproduced. Lifetime negative counts come from Trustpilot's own star distribution, not from a sample. Themes are keyword-matched, so one review can match several and the percentages don't sum to 100%.